Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. A mobile device system comprising: a non-transitory memory storing configuration data for a plurality of payment acceptance mechanisms for use by the mobile device system during transaction processing; and one or more hardware processors configured to execute instructions to cause the mobile device system to perform operations comprising: receiving an indication that a user may process a transaction using the mobile device system based on a past transaction by the user at a past transaction location; determining user data for the user of the mobile device system; communicating the user data to an online transaction processor service; receiving, from the online transaction processor service, a payment acceptance mechanism of the plurality of payment acceptance mechanisms utilized by a prospective merchant at a merchant location associated with the user data, wherein the payment acceptance mechanism is associated with an input device of the prospective merchant for wirelessly receiving a payment instrument of the user; and configuring the mobile device system for use of the payment acceptance mechanism using the configuration data, wherein the configuring comprises: determining, based on the payment acceptance mechanism, an output component of the mobile device system for wireless transmission of the payment instrument to the input device, and wirelessly communicating the payment instrument to the input device via the output component during the transaction.
This invention relates to mobile payment systems that facilitate transactions between users and merchants by dynamically configuring the mobile device to match the merchant's payment acceptance mechanism. The problem addressed is the inefficiency and inconvenience of manually selecting or configuring payment methods on a mobile device when conducting transactions at different merchant locations, each potentially using different payment technologies. The system includes a mobile device with a non-transitory memory storing configuration data for multiple payment acceptance mechanisms, such as NFC, QR codes, or Bluetooth-based payments. The device also has one or more processors that execute instructions to perform transaction processing. When a user approaches a merchant location where they previously transacted, the system detects this and retrieves user data, such as transaction history or location data. This data is sent to an online transaction processor service, which identifies the payment acceptance mechanism used by the merchant at that location. The merchant's payment mechanism is linked to an input device, such as a POS terminal, that wirelessly receives payment instruments like digital wallets or cards. The mobile device then configures itself to use the identified payment mechanism by selecting the appropriate output component (e.g., NFC antenna, display for QR codes) and wirelessly transmits the payment instrument to the merchant's input device during the transaction. This automation ensures seamless and secure payments without manual user intervention.
2. The mobile device system of claim 1 , wherein the user data comprises a geo-location of the user determined using a GPS locator of the mobile device system for the user, and wherein the user data is determined in response to receiving the indication.
A mobile device system collects and processes user data to enhance user experience or system functionality. The system includes a mobile device equipped with a GPS locator to determine the user's geo-location. When the system receives an indication (e.g., a user request, system trigger, or external input), it captures the user's geo-location data. This data may be used for various purposes, such as location-based services, personalized content delivery, or security authentication. The system dynamically acquires the geo-location in real-time or near real-time, ensuring the data reflects the user's current position. The integration of GPS-based location tracking allows the system to provide context-aware features, such as navigation assistance, localized notifications, or proximity-based interactions. The system may also combine the geo-location data with other user data (e.g., preferences, behavior patterns) to refine its operations. This approach improves the accuracy and relevance of location-dependent functionalities, enhancing user convenience and system efficiency. The system may operate autonomously or in conjunction with external servers or databases to process and utilize the geo-location information.
3. The mobile device system of claim 2 , wherein the prospective merchant is associated with a geo-fenced area for the prospective merchant, and wherein the operations further comprise: detecting that the geo-location is within the geo-fenced area, wherein the indication is received in response to the detecting.
This invention relates to a mobile device system designed to facilitate interactions between users and prospective merchants based on location. The system addresses the problem of efficiently connecting users with nearby merchants, particularly in scenarios where proximity-based engagement is desirable, such as promotions, check-ins, or service offerings. The system includes a mobile device configured to determine its geo-location and communicate with a server. The server is capable of identifying prospective merchants and associating them with specific geo-fenced areas. When the mobile device detects that its geo-location falls within one of these geo-fenced areas, it triggers the transmission of an indication to the server. This indication can be used to initiate various actions, such as notifying the merchant of the user's presence, delivering targeted content, or enabling location-based services. The geo-fencing functionality ensures that interactions are contextually relevant, occurring only when the user is physically near the merchant. This enhances the relevance of notifications and reduces unnecessary disruptions. The system may also include additional features, such as user authentication, merchant verification, and customizable notification preferences, to improve security and user experience. By leveraging geo-location data, the system provides a seamless way to bridge the gap between physical proximity and digital engagement.
4. The mobile device system of claim 1 , wherein the user data comprises an identifier for one of the user or the mobile device system, and wherein the operations further comprise: determining past merchant locations visited by the user using the identifier; and transmitting the past merchant locations visited by the user to the online transaction processor service, wherein the payment acceptance mechanism is received in response to the transmitting.
This invention relates to a mobile device system that facilitates transactions with merchants by receiving and processing user data to enable payment acceptance. The system addresses the challenge of securely and efficiently processing payments while providing relevant transaction options to users based on their past interactions with merchants. The mobile device system includes a payment acceptance mechanism that allows users to complete transactions with merchants. The system collects user data, which includes an identifier for either the user or the device itself. This identifier is used to track and determine the past merchant locations the user has visited. The system then transmits this historical location data to an online transaction processor service. In response, the service provides the payment acceptance mechanism, which is tailored to the user's transaction history and preferences. This ensures that the payment process is streamlined and relevant to the user's past merchant interactions. The system enhances transaction security and convenience by leveraging historical data to optimize payment processing.
5. The mobile device system of claim 2 , wherein the user data comprises at least one of preferred merchant information for the user, personal information for the user, or financial information for the user.
A mobile device system is designed to enhance user experience by securely managing and utilizing user data for personalized services. The system collects and stores user data, which includes preferred merchant information, personal details, and financial information. This data is used to tailor interactions, such as recommending merchants, facilitating transactions, or providing customized services. The system ensures secure storage and processing of sensitive information, such as financial data, to protect user privacy. By integrating this data, the system enables seamless and personalized experiences across various applications, improving convenience and efficiency for users. The system may also include features like data encryption, access controls, and user consent management to maintain security and compliance with regulations. This approach addresses the challenge of balancing personalization with data privacy, offering users a more intuitive and secure mobile experience.
6. The mobile device system of claim 1 , wherein the input device is associated with a payment processing device at the merchant location for the prospective merchant, and wherein the operations further comprise: processing the transaction with the payment processing device based on wirelessly communicating the payment instrument to the input device.
This invention relates to mobile device systems for facilitating transactions at merchant locations. The system addresses the challenge of securely and efficiently processing payments using mobile devices, particularly in environments where traditional payment terminals are not readily available or practical. The system includes a mobile device configured to communicate with an input device at a merchant location. The input device is integrated with or connected to a payment processing device, enabling secure transaction processing. The mobile device captures a payment instrument, such as a credit card number or digital wallet information, and wirelessly transmits this data to the input device. The payment processing device then processes the transaction based on the received payment instrument, ensuring secure and seamless payment handling. This approach eliminates the need for manual entry or physical card swiping, reducing errors and improving transaction speed. The system is particularly useful for merchants who require flexible, mobile-friendly payment solutions without compromising security or compliance with payment regulations. The invention enhances the convenience of mobile payments while maintaining robust transaction security.
7. The mobile device system of claim 1 , wherein the payment acceptance mechanism comprises an electronic transaction processing process of an application executing on the mobile device system for the user.
A mobile device system is designed to facilitate secure and convenient electronic transactions, particularly for payment processing. The system includes a payment acceptance mechanism that operates through an electronic transaction processing process executed by an application on the mobile device. This mechanism enables users to initiate, authorize, and complete financial transactions directly from their mobile devices, eliminating the need for physical payment methods like cash or cards. The application handles transaction data securely, ensuring encrypted communication between the user's device and the payment processor. It may also integrate with financial institutions or payment gateways to verify user credentials, process payments, and generate transaction receipts. The system is particularly useful in environments where traditional payment methods are impractical, such as contactless or remote transactions. The application may further include features like transaction history tracking, balance inquiries, and fraud detection to enhance user experience and security. By leveraging existing mobile device capabilities, the system provides a streamlined and efficient payment solution.
8. The mobile device system of claim 7 , wherein the application is associated with the online transaction processor service providing payment services to the user, and wherein the payment instrument comprises an account with the online transaction processor service to process transactions through the application.
This invention relates to mobile device systems for facilitating online transactions. The system addresses the challenge of securely and efficiently processing payments through mobile applications, particularly when users engage in online transactions. The mobile device system includes a mobile device with a display, a processor, and a memory storing an application. The application is designed to interact with an online transaction processor service that provides payment services to the user. The system also includes a payment instrument, which is an account with the online transaction processor service, enabling transactions to be processed through the application. The mobile device system further includes a payment processing module that processes transactions using the payment instrument. The system ensures secure and seamless payment processing by leveraging the user's account with the online transaction processor service, eliminating the need for manual entry of payment details during transactions. This enhances user convenience and reduces the risk of payment errors or fraud. The system may also include additional features such as transaction history tracking, payment method management, and fraud detection mechanisms to further improve the security and usability of the payment process.
9. The mobile device system of claim 8 , wherein the wirelessly communicating the payment instrument utilizes one of near field communications (NFC) with the input device of a merchant device at the merchant location, a display of a barcode or QR code on the output component of the mobile device system, or wireless signaling based on a location based check-in of the user at the merchant location through the mobile device system.
A mobile device system facilitates secure and convenient payment transactions at merchant locations. The system addresses the need for seamless payment methods that reduce reliance on physical cards or cash while ensuring transaction security. The system includes a mobile device with a processor, memory, and communication components that enable wireless payment processing. The payment instrument stored on the device can be transmitted to a merchant device using multiple methods. Near field communications (NFC) allows direct contactless transmission to a merchant's input device. Alternatively, the system can display a barcode or QR code on the mobile device's output component, which the merchant device scans to process the payment. Another method involves wireless signaling triggered by a location-based check-in, where the user's presence at the merchant location is verified before initiating the payment. The system ensures flexibility in payment options while maintaining security through encrypted communication protocols. This approach enhances user convenience by eliminating the need for physical payment instruments and streamlines the checkout process for merchants.
10. The mobile device system of claim 1 , wherein the operations further comprise: receiving a request to change the prospective merchant; and communicating the request to the online transaction processor service, wherein the online transaction processor service determines at least one other prospective merchant using the user data.
This invention relates to mobile device systems for facilitating transactions with merchants, particularly in scenarios where a user may need to switch between prospective merchants. The system addresses the problem of efficiently identifying alternative merchants when a user's initial choice is unavailable or undesirable, ensuring seamless transaction processing. The mobile device system includes a user interface for interacting with a user and a communication module for exchanging data with an online transaction processor service. The system receives user data, such as preferences, location, or transaction history, to identify an initial prospective merchant. If the user requests a change, the system transmits this request to the online transaction processor service, which then analyzes the user data to determine at least one alternative merchant. The system may also display the alternative merchant options to the user for selection. This process ensures that the user can quickly find a suitable merchant without manual searching, improving transaction efficiency and user experience. The system may further include features for processing payments, confirming merchant availability, or updating user preferences based on transaction outcomes. The invention enhances flexibility in merchant selection while maintaining secure and streamlined transaction workflows.
11. The mobile device system of claim 1 , wherein the operations further comprise: receiving at least one other prospective merchant associated with the user data, wherein a location for the user in the user data is within at least one geo-fence for the at least one other prospective merchant; and displaying, using an output display device of the mobile device system, the at least one other prospective merchant to the user for selection to reconfigure the mobile device system using the configuration data.
This invention relates to a mobile device system that identifies and displays prospective merchants to a user based on their location. The system addresses the problem of users needing to manually search for nearby merchants or service providers, which can be time-consuming and inefficient. The system automatically detects when a user is within a predefined geographic boundary, or geo-fence, associated with a merchant and then presents that merchant to the user for potential selection. The user can then reconfigure the mobile device system using configuration data linked to the selected merchant, such as payment methods, loyalty programs, or service preferences. The system leverages user data, including location information, to dynamically suggest relevant merchants without requiring the user to actively search. This improves user convenience and enhances the efficiency of merchant discovery and system configuration. The invention ensures that the user is only presented with merchants that are geographically relevant, reducing unnecessary notifications and improving the overall user experience.
12. The mobile device system of claim 1 , wherein the configuring the mobile device system for use of the payment acceptance mechanism further comprises processing a check-in at the merchant location by the user.
A mobile device system enables secure payment transactions at merchant locations. The system includes a payment acceptance mechanism that allows users to make payments using their mobile devices. To enhance security and streamline transactions, the system configures itself for payment acceptance by processing a check-in at the merchant location. This check-in involves verifying the user's presence at the merchant, which can be done through various methods such as location-based services, Bluetooth beacons, or QR code scanning. Once the check-in is completed, the mobile device system is authorized to accept payments, ensuring that transactions are only processed when the user is physically present at the merchant. This reduces the risk of fraudulent transactions and improves the overall payment experience. The system may also include additional features such as transaction history tracking, receipt generation, and integration with loyalty programs to provide a comprehensive payment solution. The check-in process ensures that payments are securely authorized and linked to the correct merchant, enhancing both security and user convenience.
13. The mobile device system of claim 12 , wherein the operations further comprise: in response to the processing the check-in at the merchant location, automatically filling merchant information for the prospective merchant into an application executing on the mobile device system.
This invention relates to mobile device systems for streamlining merchant check-in processes. The problem addressed is the inefficiency and manual effort required when users check in at merchant locations, particularly when applying for merchant services. The system automates the collection and entry of merchant information into an application on the mobile device, reducing user input and improving accuracy. The system processes a check-in at a merchant location, which may involve detecting the user's presence via location services, QR code scanning, or other proximity-based methods. Upon successful check-in, the system automatically retrieves and fills merchant details such as business name, address, contact information, and other relevant data into an application running on the mobile device. This eliminates the need for manual data entry, saving time and minimizing errors. The application may be a merchant service application, such as a payment processing or business management tool. The system ensures that the merchant information is accurately populated, allowing users to quickly proceed with service enrollment or other transactions. The automation is triggered by the check-in event, ensuring seamless integration between location detection and data entry processes. This solution enhances user experience by reducing friction in the merchant onboarding workflow.
14. The mobile device system of claim 13 , wherein the configuring the mobile device system for use of the payment acceptance mechanism further comprises alerting the prospective merchant of the user at the merchant location and providing user information of the user to a merchant device at the merchant location.
This invention relates to mobile device systems for enabling payment transactions between users and merchants. The system addresses the challenge of securely and efficiently facilitating payments in physical merchant locations where the merchant may not have a pre-existing payment processing setup. The system includes a mobile device configured to interact with a payment acceptance mechanism, such as a near-field communication (NFC) or QR code-based system, to process transactions. The system also includes a merchant device at the merchant location that communicates with the mobile device to complete the payment. When configuring the mobile device for payment acceptance, the system alerts the prospective merchant of the user's presence at the location and transmits user information, such as payment credentials or identification details, to the merchant device. This ensures that the merchant can verify the user's identity and payment capability before completing the transaction. The system may also include authentication mechanisms to secure the payment process, such as biometric verification or one-time passcodes. The invention improves the convenience and security of mobile payments in physical merchant environments by enabling real-time interaction between the user's mobile device and the merchant's system.
15. The mobile device system of claim 1 , wherein the receiving the payment acceptance mechanism further comprises receiving an advertisement associated with the prospective merchant.
A mobile device system facilitates secure and convenient payment transactions between users and merchants. The system addresses the problem of inefficient and insecure payment methods by providing a streamlined process for users to authorize payments and for merchants to receive payment confirmations. The system includes a mobile device configured to receive a payment acceptance mechanism from a prospective merchant, where the payment acceptance mechanism includes transaction details such as the amount, merchant identifier, and payment method. The mobile device processes this information to generate a payment authorization request, which is then transmitted to a payment processing server. The server verifies the transaction details, processes the payment, and sends a confirmation back to the merchant. The system also enhances user engagement by incorporating advertisements associated with the prospective merchant into the payment acceptance mechanism. This allows merchants to promote their products or services during the transaction process, increasing visibility and potential sales. The system ensures secure communication through encryption and authentication protocols, protecting sensitive financial information. By integrating payment processing with advertising, the system provides a dual benefit of facilitating transactions while also serving as a marketing tool for merchants.
16. A method comprising: receiving an indication that a user may process a transaction using a mobile device based on a past transaction by the user at a past transaction location; determining, by the mobile device, user data for the user of the mobile device; communicating the user data to an online transaction processor service; receiving, from the online transaction processor service, a payment acceptance mechanism of a plurality of payment acceptance mechanisms utilized by a prospective merchant at a merchant location associated with the user data, wherein the payment acceptance mechanism is associated with an input device of the prospective merchant for wirelessly receiving a payment instrument of the user; and configuring the mobile device for use of the payment acceptance mechanism using configuration data for the plurality of payment acceptance mechanisms for use by the mobile device during transaction processing, wherein the configuring comprises: determining, based on the payment acceptance mechanism, an output component of the mobile device for wireless transmission of the payment instrument to the input device, and wirelessly communicating the payment instrument to the input device via the output component during the transaction.
This invention relates to mobile payment systems that facilitate transactions at merchant locations based on a user's past transaction history. The problem addressed is the inefficiency and inconvenience of manually selecting payment methods at checkout, especially when the user has previously transacted at the same or similar merchant locations. The solution involves a mobile device that automatically identifies a suitable payment mechanism for a prospective merchant based on the user's past transaction data. The method begins by receiving an indication that a user may process a transaction using a mobile device, triggered by a past transaction at a specific location. The mobile device then retrieves user data, such as payment preferences or historical transaction details, and communicates this data to an online transaction processor service. The service responds with a payment acceptance mechanism used by the prospective merchant at the current location, which is linked to the merchant's input device for wirelessly receiving payment instruments (e.g., digital wallets, NFC payments). The mobile device then configures itself to use the identified payment mechanism by determining the appropriate output component (e.g., NFC, Bluetooth, or another wireless interface) for transmitting the payment instrument to the merchant's input device. During the transaction, the mobile device wirelessly communicates the payment instrument to the input device via the selected output component, enabling seamless and automated payment processing. This approach reduces user interaction and improves transaction efficiency by leveraging past transaction data to pre-configure the mobile device for the most relevant payment method.
17. The method of claim 16 , wherein the user data comprises user actions by the user.
This invention relates to systems for analyzing and utilizing user data to enhance digital interactions. The core problem addressed is the need to improve user experience by dynamically adapting to individual user behaviors and preferences in real-time. The method involves collecting and processing user data, which includes specific user actions such as clicks, navigation patterns, input sequences, and interaction timings. This data is analyzed to identify behavioral patterns, preferences, and intent. The system then uses these insights to customize responses, recommendations, or system behaviors tailored to the user. For example, if a user frequently performs certain actions in a specific sequence, the system may anticipate and streamline those actions or provide relevant suggestions proactively. The method may also integrate with other data sources, such as historical user data or contextual information, to refine its predictions and adaptations. The goal is to create a more intuitive and efficient user experience by reducing manual input and aligning system behavior with the user's natural workflow. This approach is particularly useful in applications like software interfaces, e-commerce platforms, or digital assistants where responsiveness and personalization are critical. By leveraging real-time user actions, the system can dynamically adjust its operations to better meet individual needs, improving engagement and satisfaction.
18. The method of claim 17 , wherein the user actions comprise at least one of past geo-locations visited by the user, browsing history by the user on the mobile device, biometrics of the user, or messages sent and received by the user.
This invention relates to user authentication and security in mobile devices, addressing the challenge of verifying user identity based on behavioral and contextual data. The method involves analyzing user actions to determine whether they match expected patterns, thereby authenticating the user or detecting potential security threats. The user actions considered include past geo-locations visited by the user, browsing history on the mobile device, biometric data such as fingerprints or facial recognition, and messages sent and received by the user. By evaluating these actions, the system can assess whether the current user behavior aligns with historical or expected behavior, enhancing security without relying solely on traditional authentication methods like passwords. This approach helps prevent unauthorized access by detecting anomalies in user activity, such as unusual browsing patterns, unexpected location changes, or irregular messaging behavior. The method dynamically adapts to the user's habits, improving accuracy over time and reducing false positives in security alerts. This solution is particularly useful in mobile environments where traditional authentication may be inconvenient or less secure.
19. The method of claim 17 , wherein the determining the user data for the user comprises detecting a geo-location for the user is within a geo-fenced area for the prospective merchant, and wherein the indication is received in response to the detecting.
This invention relates to location-based advertising systems that target users within specific geographic areas. The problem addressed is the need for merchants to effectively reach potential customers who are physically near their business locations. The system detects a user's geo-location and determines whether it falls within a predefined geo-fenced area associated with a merchant. When a user enters this area, the system generates an indication (e.g., a notification or advertisement) to prompt the merchant to engage with the user. The geo-fencing technology uses location data from the user's device to trigger these interactions, enabling real-time, contextually relevant marketing. The system may also analyze user behavior, preferences, or historical data to further refine targeting. This approach enhances customer acquisition by leveraging proximity-based engagement, ensuring that promotional messages are delivered to users who are most likely to visit the merchant's physical location. The method improves upon traditional advertising by focusing on physical presence rather than broad demographic targeting.
20. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising: receiving an indication that a user may process a transaction using a mobile device based on a past transaction by the user at a past transaction location; determining, by the mobile device, user data for the user of the mobile device; communicating the user data to an online transaction processor service; receiving, from the online transaction processor service, a payment acceptance mechanism of a plurality of payment acceptance mechanisms utilized by a prospective merchant at a merchant location associated with the user data, wherein the payment acceptance mechanism is associated with an input device of the prospective merchant for wirelessly receiving a payment instrument of the user; and configuring the mobile device for use of the payment acceptance mechanism using configuration data for the plurality of payment acceptance mechanisms for use by the mobile device during transaction processing, wherein the configuring comprises: determining, based on the payment acceptance mechanism, an output component of the mobile device for wireless transmission of the payment instrument to the input device, and wirelessly communicating the payment instrument to the input device via the output component during the transaction.
This invention relates to mobile payment systems that facilitate transactions between users and merchants based on past transaction data. The problem addressed is the inefficiency and inconvenience of manually selecting payment methods during transactions, particularly when a user revisits a merchant. The solution involves a mobile device that automatically configures itself for a transaction based on prior interactions with a merchant. The mobile device receives an indication that a user may process a transaction at a merchant location where they previously transacted. The device then retrieves user data, such as payment preferences or past transaction details, and sends this data to an online transaction processor service. The service identifies the payment acceptance mechanism used by the merchant at the current location, which may include wireless payment methods like NFC or QR code-based transactions. The mobile device then configures itself to use the appropriate payment mechanism, selecting the correct output component (e.g., NFC antenna or display screen) to wirelessly transmit the payment instrument (e.g., a digital wallet or token) to the merchant's input device. This automation ensures seamless and efficient transactions without manual user intervention.
Unknown
March 3, 2020
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